CASCO — Comprehensive Cover for Your Car

MTPL is mandatory and pays for damage you cause to others; CASCO is optional and pays for damage to your own vehicle — regardless of who's at fault.

• AUTOCASCO Standard. Full DAMAGE + THEFT protection at the vehicle's actual value. The basic option for most drivers.
• AUTOCASCO Avantaj 50/50. At signing, the insured amount is 50% of the vehicle's actual value — with a correspondingly lower premium. If needed, the amount can be adjusted to the actual value through an additional agreement and payment of a supplementary premium; after an incident, the adjustment agreement must be requested within 7 working days.
• AUTOCASCO with the Accident clause. Standard protection plus an accident clause for the driver and passengers: injuries, permanent disability occurring within one year, or death resulting from a road accident involving the insured vehicle. The benefit is paid without applying the deductible.

Not covered: natural wear, manufacturing defects and improper maintenance, damage limited to the tyres, personal belongings left in the vehicle, indirect losses — loss of use, lost income, fines — and events occurring at competitions or training sessions. Also excluded are war, riots, terrorism and confiscation. The complete list is in the contract terms.

• Cover applies only within the territory, period, use and authorised drivers stated in the proposal or policy.
• The policy does not take effect before the premium or first instalment has been paid and the vehicle has been inspected by the insurer.
• A deductible applies to each claim: for total loss or theft, 10% of the sum insured; for partial losses from the fourth claim with an unidentified liable party, 10% of the loss, subject to a minimum of EUR 150.
• For losses reported without documents issued by the competent authorities, indemnity is limited under the contract to 5% of the sum insured, up to EUR 1,000 or EUR 500, depending on the value of the vehicle.
• Theft or attempted theft is assessed only if the police have been notified and the registration certificate, declared keys and remote controls are submitted.
• If the vehicle did not have a valid roadworthiness inspection, registration certificate or authorisation, was used in criminal activity, or the contractual obligations were not observed, the claim may be rejected or limited.

The policy applies within the territory stated in the insurance contract, on a 24/7 basis, including the Republic of Moldova and, where agreed, abroad. Events occurring in areas affected by war or civil unrest are not covered.

• At inception, read the policy terms and disclose accurate information about the vehicle, its value, use, drivers, equipment, other insurance and any relevant risk circumstances; present the vehicle for inspection.
• Pay the premium or instalments on time and use the vehicle as declared, in good technical condition, with valid documents and roadworthiness inspection, allowing only the drivers listed in the policy to drive it.
• Protect the vehicle by activating any anti-theft system, not leaving keys, remote controls or the registration certificate inside the vehicle, and taking reasonable steps to prevent or reduce loss.
• Notify the insurer in writing, within the contractual deadlines, of any changes relating to the use, storage, legal status, registration, additional equipment, or the loss or theft of documents and keys.
• In the event of a loss, take steps to save the vehicle and limit the damage, preserve the evidence, notify the police, fire brigade or other competent authority, do not repair the vehicle before inspection or approval, and do not waive your rights against the liable party.
• Notify the insurer within the deadlines set out in the contract: for Theft, within 24 hours; for Own Damage, within 7 calendar days from receipt of the relevant documents; for repairs carried out abroad, inform the insurer before the repairs and follow the instructions received.

The CASCO premium is calculated individually and depends on the insured amount and the vehicle's value, its type and age, the territory and period of coverage, the chosen deductible, the option to repair at a dealer, the anti-theft system, the number and experience of authorised drivers, how the vehicle is used, the claims history (bonus-malus) and the size of the vehicle fleet. Unlike MTPL and the Green Card, CASCO has no online calculator with an instant price — the factors are too individual. CASCO is not issued online — request a personalised quote, and General Asigurări's specialists will send you a tailored calculation.

Cover applies 24/7 for the period stated in the policy. It starts after the vehicle inspection and payment of the premium or first instalment: for cash or card payments, from the immediately following hour; for bank transfers, from the moment the funds are credited to the insurer’s account. If the premium is not paid when due, the policy may not take effect; non-payment of instalments may suspend cover after notice and an additional period of at least two weeks. Cover ends at the expiry of the policy period, on exhaustion of the sum insured, upon payment of a total loss claim, by termination or nullity, by suspension at the insured’s request, or in other cases provided by the contract or by law.

The policyholder or the insured may request termination by written notice sent to C.A. GENERAL ASIGURARI S.A. at least 14 days before the requested termination date. The insurer may terminate the contract by registered letter, giving a reasonable notice period of at least 14 days, including in the event of breach of contractual terms or non-payment of the premium or an instalment. Any refund of premium for the unused period is made in accordance with the contract, after the policy or contract has been returned; management expenses of 35% may be retained, and no refund is due if indemnities have been paid or are payable, or if the contract has been in force for more than 10 months. When ownership of the vehicle is transferred, the contract terminates by operation of law after one month unless reissuance is requested.